I'm still not pre-approved but my credit is in good condition as well are my finances. 

You'll prolly want to refi out and pay the credit line after a relatively short period. 

The ones below go up to 90%-100% LTV depending on DTI and credit.TruWest Credit UnionCredit Union WestAmerica First Credit UnionBankers TrustUS Bank

While the work is rewarding, it is not increasing my own portfolio.I’m 58 years old, have terrible credit and besides my consulting business, am not employed.

FHA will accepts a wider range of credit scores which is nice. 

The tenant is a good one  with a very high credit score, but I feel I should have set my boundaries properly.

Does anyone have suggestions on which bank(s) or credit union(s) will loan on a home(s) for  $45,000 or under? 

I have a client that has a great credit score and several assets looking to buy a duplex.

Fundamentally though the price increases are driven largely by inventory shortage, not risky mortgage lending practices so there's no reason to expect that the next credit crisis will stem from the housing market though it will no doubt be affected. 

It will make it easier to (A) leverage your credit history from Canada into the US (only works on single family) and (B) easy to move money between US and Canada.Happy to answer any other questions you might have.